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What our users say:

Based on 322 reviews
June 5
Awesome work
wow what an awesome rep. He did up everything, extremely fast and was very under...
Delroy Paul
June 4
It was a pleasure dealing with your…
It was a pleasure dealing with your broker, it made switching insurance companie...
Michael Sheridan
May 27
Excellent customer service
This is the first time I got insurances from Direct Rate.I have nothing but good...
Tejas Patel
May 26
Quick service
Quick service, good price
May 22
Imad Harrouk was great !
Imad Harrouk was great ! intelligent well spoken professional polite a perso...
james bannon
May 21
Imad Harrouk helped me get the best…
Imad Harrouk helped me get the best home and auto bundle insurance quote. He was...
Amanda Moskowitz
May 20
Excellent !!! Very competitive rates !!
Excellent customer services also they have very competitive rates !!
Eliza Gallant
May 20
Excellent Service
Sonia was patient with all of my questions, helpful and cheerful through the ent...
Cori Thompson
May 20
Imad Harrouk helped us with getting a…
Imad Harrouk helped us with getting a car insurance quote. He was very friendly ...
May 18
I was treated fairly and walked through…
I was treated fairly and walked through my purchase.I enjoyed the agent was exce...
paul neville
May 17
Highly Recommended !
I spoke with Mr. Imad Harrouk of DirectRate for quotes on my car and condo insur...
May 14
Highly recommend
Great experience, simple to use and they gave me a lot of options at prices that...
Chandra Wilson
May 13
Amazing service
Amazing service, Sonia is patient and helpful. Can not complain. I am happy with...
Miroslav Adalbert Elias
May 12
Meghan Ford helped me and she was…
Meghan Ford helped me and she was amazing. I saved $160/month between home and a...
May 11
Easy, clear and fast. Very effective.
Rene Izquierdo de la Cruz
May 6
Sonia was very helpful and nice…
Sonia was very helpful and nice throughout the whole process. She got me the bes...
Ali Al-Rubayee
May 6
Very friendly and professional
Very friendly and professional. She always try to help. Really appreciate.
Binod Shrestha
May 5
He was so amazing
He was so amazing. He went out his way to help me. He deserves a raise Very po...
Shahin Abbaskhan
April 27
Great rates!
Ryan was very helpful and polite.He went all out to find me the best rate. He wa...
Linda Shelton
April 22
The service was excellent
The service was excellent. Emad provided awesome service for me.
John Bowden
April 19
Fast and professional customer service
Fast and professional customer service. All of my questions were answered and I...
April 16
Chelsea was very helpful and a pleasant…
Chelsea was very helpful and a pleasant person to deal with.
Keith Tarala
April 16
simple quick and easy
simple, quick and easy
tony palumbo

How it works. Hint: It's free!

  1. Enter your information.
  2. Get matched with a dealership and get approved for a loan.
  3. Choose a vehicle from the dealership offering you a loan.

Get approved for a car loan in Saint John. Just like that.

You’re in the market for a car and a car loan, but your credit isn’t great. And that’s okay. You can get a generous car loan, a fair interest rate, and a reliable car through — even with bad credit.

We can help you even if you have:

  • Bad credit.
  • No credit.
  • Good credit.
  • Late payments.
  • Repossession.
  • Collections.
  • A bankruptcy.
  • A divorce.
  • New Canadian status.

Saint John car loans made easy.

We’re proud of the car loan service we offer. Here’s why applying for a car loan online through is the better way.

Your Saint John car loan questions, answered.

Am I eligible for a car loan in Saint John?

If you meet our basic requirements, then yes, definitely. You just need to be:

  • 18 or older.
  • Fully licensed.
  • A Canadian resident.
  • Employed and earning at least $1,500 per month.

Will I qualify for a car loan if my credit history is sparse or non-existent?

Yes. Our car loan service is designed specifically for drivers with bad credit or no credit, which means you don’t need an extensive credit history to get a loan.

My last car was repossessed because I missed payments — can I still get an auto loan through your site?

Most likely. After all, financial setbacks happen to the best of us. We understand that, and so do the Saint John dealerships that we work with. They specialize in bad credit and no credit auto loans, and, unlike the big banks, they’re comfortable working with drivers who have impaired credit.

Can I choose the car loan amount that I want?

It depends on how flexible the dealer is. Remember, the Saint John dealer that you’re matched with sets and finalizes all your car loan details. The dealer will likely start off with an initial offer based on your financial profile, but you can still negotiate for the loan amount you initially had in mind.

What’s the sales tax (HST) on vehicles purchased in Saint John?

15% — the highest tax rate in all of Canada. The provincial government raised the rate in 2016.

What’s a car loan term and how does it affect my monthly car loan payments?

A car loan term is the length of time (usually expressed in months) required to pay off your loan. And car loan terms help determine how much your monthly payments will be.

Longer car loan terms stretch your principal balance (loan amount) over a greater period of time. As a result, you make more, but smaller, monthly payments.

With a shorter car loan term, your principal balance isn’t spread as thinly: you make fewer, but larger, payments. But the major benefit of a short loan is that you pay less interest and get out of debt sooner.

Here’s an example of how your payments can change depending on the car loan term you choose:

Monthly payments on a $4,000 car loan (at 8% interest)

Length of car loanCar loan payment
24 months$181
36 months$125
48 months$98
60 months$81
72 months$70
84 months$62
96 months$57

About our auto loan network.

  • It's nationwide, servicing all provinces.
  • It's a free, fully secure, no obligation loan service.
  • It provides car loans that range from $5,000 – $40,000.
  • It offers market competitive interest rates, speedy approvals, and affordable payments.
  • It boasts a 100% acceptance rate, even if you have no credit or bad credit.

Saint John car loan tips

Negotiate your car loan terms

Don’t commit to a car loan agreement you’re not comfortable with. You should always try to negotiate with the dealer, especially on the interest rate.

Make bigger car loan payments

Bigger monthly contributions let you quickly pay down your car loan and minimize your interest charges. So pick a short car loan term and start knocking down that debt.

Get a vehicle inspection

As far as you can tell, you’ve found a great car. But you should get a second opinion. Ask a qualified, unbiased mechanic to inspect the car before you buy it.

Find out if you qualify for an HST credit

New Brunswick’s new HST credits start going out in October 2016. If you’re expecting a credit, put it towards your vehicle purchase or save it for your car loan payments.

Saint John car loan facts

  1. The preferred mode of transportation in Saint John? Driving — by a staggering majority. Approximately 79% of Saint John’s commuters drive to work every day.
  2. New Brunswick’s new vehicle sales are up. Auto dealerships registered a 21% spike in Q1 2016 sales compared to the same timeframe in 2015.
  3. A recent financial snag doesn’t mean you can’t get a car loan. Saint John drivers can get auto financing even with a bankruptcy, divorce, or repo.
  4. New Brunswick’s current e-vehicle charging station count: 41. Most are level 2 and free to use, but Tesla 3 buyers are hoping for access to more powerful chargers in the future.

Saint John car loan myths

  1. I can choose my car before I apply for an auto loan in New Brunswick. False. You won’t be able to pick a car until you apply for an auto loan, get approved, and get matched with a nearby dealership. You’ll then choose your car from the selection available on that dealer’s lot.
  2. In Saint John, there’s no sales tax on vehicles bought privately. False. If you buy privately, you don’t pay HST, but you do pay PVT (Provincial Vehicle Tax). And the rate’s the same: 15%. You’ll pay this tax when you register your vehicle at a Service New Brunswick Centre.
  3. If I buy a used vehicle, the interest rate on my car loan will be lower. False. The interest rate may actually be higher than on a new car. Surprising, right? But here are two reasons why:
    • Used car shoppers often have low credit scores, which means there’s a higher chance they’ll default on the loan.
    • New cars often have manufacturer-backed financing programs, which tend to have low interest rates.
  4. I can’t get a refund on my vehicle purchase even if there’s a problem with the car. False. While New Brunswick dealerships aren’t legally obligated to offer a return policy, you may be eligible for a refund if the car is defective.

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